- 130,000 bonus Reward Points and $150 back to your new ANZ Rewards Black credit card when you spend $2,000 on eligible purchases in the first 3 months
- Earn 2 Reward Points per $1 spent on eligible purchases up to and including $5,000 per statement period.
- Earn 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
- Redeem points for flights, merchandise, gift cards, cash back and more
- Complimentary International Travel Insurance for trips up to 6 months
- Up to 9 additional card holders
- Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
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ANZ Credit Cards
ANZ Rewards Black Credit Card
Updated 19 October 2020
If you're looking for a higher end rewards card, the ANZ Rewards Black holds many features to give you the opportunity to earn a huge variety of rewards. It is currently offering 130,000 bonus Reward Points and $150 back when you spend $2,000 on eligible purchases in the first 3 months.
New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee currently $375).
Points Earn Rate (per $1 spent)
2 points
Capped at $5000, then 1 pt per $1 spent
Rewards Program
ANZ Rewards
Bonus Points
130,000 pts
Spend $2,000 in first 3 months
Pros and cons
- Each additional card holder costs $65 annually
- $375 annual fee
Creditcard.com.au review
Editor Review
ANZ Rewards Black Credit Card
Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. Ask Roland a Question about this card.
The ANZ Rewards Black Credit Card with 130,000 Reward Points
If you love being rewarded – and if you especially enjoy treating yourself to prestige perks – the ANZ Rewards Black card could well be worth a closer look. Designed to offer higher points earning power than standard rewards cards, this high-end option has plenty going for it.
From its awesome travel-related benefits to its excellent introductory bonus points offer, this card can give you it all. But is it right for you? Let’s find out.
What we love...
When talking about the features we love on the ANZ Rewards Black card, it’s hard to go past the introductory bonus points offer. How does it work exactly? After you spend $2,000 on eligible purchases on your new card within three months of card approval, you will be rewarded with 130,000 bonus Rewards Points to spend as you like. Plus get $150 back to your new ANZ Rewards Black credit card. The bonus Reward Points and credit will be credited to your ANZ account and the $150 will be credited to your credit card account within 3 months of the eligible spend criteria being met.
As part of the ANZ Rewards Program, these points can be redeemed on a huge range of items, on anything from travel and entertainment, to gift cards, cash back and more. And if you don’t have enough points to cover the item you want, simply make up the difference in cash.
Love travel? Choosing the ANZ Rewards Program can be a great choice for cardholders who want to earn points on travel, but who don’t want to be tied down to a particular airline. With ANZ Rewards, you can choose to fly with any airline to any destination, whenever you want to travel.
What’s not so great...
When it comes to cards packed with features and offers, there is always small print to pay attention to. With the ANZ Rewards Black card, it’s worth bearing in mind the ample annual fee you’ll pay, as well as the relatively high rates of interest on purchases and cash advances.
And while the card does allow for up to nine additional cardholders – which can provide a handy way to earn points faster – each additional cardholder will cost $65 per year.
Why should you choose this card?
While the introductory offers certainly provide lots to love, you may also quite enjoy the other features the ANZ Rewards Black card has to offer.
In terms of points earning potential, the card lets you earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, and 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
As a cardholder, you can also enjoy access to complimentary International Travel Insurance, Interstate Flight Inconvenience Insurance, Extended Warranty Insurance, Guaranteed Pricing Scheme and Purchase Protection Insurance.
On top of that, the card provides up to 55 days interest free on purchases, and compatibility with Apple Pay®, Google Pay™ and Samsung Pay™.
Overall Rating
A high-end rewards card with a fantastic earn rate on the ANZ Rewards Program, excellent features and introductory offers that include 130,000 bonus points and $150 back.
User reviews
Rates and fees
Interest rates
Purchase rate 20.24% p.a.
Cash advance rate 20.24% p.a.
Interest free period on purchases up to 55 days
Credit limits
Minimum credit limt $15,000
Maximum credit limit $75,000
Fees & repayments
Annual fee $375 p.a.
Additional card holder fee Up to 9 at $65 p.a. each
Foreign transaction fee 3%
Minimum repayment
Cash advance fee 2% Consumer Cards or Business Cards Cash Advance Fee: $1.50 and 1.50% - whichever is greater5
Late payment fee $20
Rewards and points
Rewards program
Rewards Program
ANZ Rewards
Bonus points 130,000 points
Annual points cap uncapped
Bonus points spend criteria Spend $2,000 in first 3 months
Earning points with this card
ANZ Rewards points 2 points per $1 spent
Points cap per month Capped at $5000, then 1 pt per $1 spent
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes - up to 6 months
Flight Inconvenience Insurance Yes
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance Yes
Extras
Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
Overview
ANZ Rewards Black Credit Card
This card offers a range of travel perks as well as a stronger points earning power to help you reach the rewards you want quicker. Earn 2 Reward Points per $1 spent on eligible purchases up to and including $5,000 per statement period and 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
This premium card will also give you access to complimentary international travel insurance. Points can be redeemed for hundreds of different rewards, including merchandise, travel, shopping vouchers, and gift cards. If you don’t have enough points for the reward you want, you can simply make up the difference with cash.
Key features
- 130,000 bonus Reward Points and $150 back to your new ANZ Rewards Black credit card when you spend $2,000 on eligible purchases in the first 3 months. New card. T&Cs, eligibility criteria, fees & charges apply (including annual fee currently $375).
- Earn 2 Reward Points per $1 spent on eligible purchases up to and including $5,000 per statement period.
- Earn 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
- Redeem points for flights, merchandise, gift cards, cash back and more
- Complimentary international travel insurance for trips up to 6 months
- Up to 9 additional card holders
- Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Australian resident or non-permanent resident with more than 9 months remaining on your Visa
You have your personal details ready to complete the online application
Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
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